Thanks all of you. I hardly dare to write this but to my annoyance the best jacket I have is a Chinese-made "Spada" which I bought for about £30 (around US $ 45) five years ago. It keeps me toasty warm when it's zipped up tight and as for rain, I was riding back from Switzerland, it started raining at Chalons and continued tipping down without a break until Calais, that's just over 200 miles. And I was totally dry on arriving. The reason: unlike every other jacket I've owned, the Spada is made for people with normal arms and neck, not built like a gorilla. In other words, wrists and neck fasten close up and neither wind nor rain get in. The downside: the outer pockets are not at all waterproof. And above all, in summer you really have to take the quilted lining out and then you realise that the outer, though wind and water proof, is very light and tissue-like, in a crash its protection would be about zero....can't win em all.